The Debt Zone

A majority of students are stuck in a system where they cannot afford a college education, but make too much money to qualify for sufficient aid. We’re here to fix that.


Annual Income


Annual Income


The more money you make, the more colleges charge you.

It’s not uncommon for colleges to offer students scholarships based on academics. However, most “scholarships” are actually discounts, reducing the cost of tuition based on a student’s expected family contribution.

Understandably, higher-income families get less access to government grants, so the only type of financial aid available to them comes in the form of borrowed money (i.e. student loans). Colleges’ intentions to charge higher tuition rates while also denying interest-free aid places a heavy burden on these students and traps them in the Debt Zone.

Expected Family Contribution (EFC)

As income rises, federal grants decrease. Most families with household incomes above $50,000 will receive little or no money from grants. Realistically though, these families can’t afford $12,000+ a year for college expenses without help. What are they to do?

What happens to students in the Debt Zone?

They take out an average of $29,800 in student loans and graduate buried in debt.


They don’t take out loans, but likely can’t afford to graduate college and get left behind.


How students are impacted by their loans


Didn't start a business


Couldn't purchase a home


Didn't start a family


Delayed marriage

Student loans will haunt you forever. While you can declare bankruptcy to get rid of house, car, and business debt, there is no way to get rid of your student loan debt. It will follow you after bankruptcy and through the rest of your life until you pay it off.

Opportunity Cost of Student Loans

Most degrees don’t make enough out of college to offset the cost of a loan.

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That’s why we started Accelerated Pathways.

We believe College Shouldn’t Be a Debt Sentence®. Our goal is to help students stuck in the Debt Zone graduate from college—and graduate debt free1.

If you’re willing to use the power of online education to avoid the student loan trap, we’re here for you.

Find out if you’re a candidate for Accelerated Pathways.

1. Accelerated Pathways’ goal is to give you the ability to pay for college without loans. Accelerated Pathways does not help you with any existing debt and is not responsible if you decide to take out loans in the future.